I unfortunately only utilize fiat when Crypto isn't available to me, or when the crypto rails are acting silly, and I don't want to look like an idiot like people who don't have enough money on their ebt, and credit cards.

I prefer to pay in crypto but begrudgingly pay in fiat when it's more advantageous to do so.

If I had more money I would be willing to brunt the conversion costs, and fees but right now I don't, so I go with what's more cost effective at the moment as well.

Just my thoughts.

Hopefully we built the future for crypto products where the offers are negligible, and cost conversions plus fees are about the same, or cheaper than fiat, as well as offering better products than fiat too of course.